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Buy Now, Pay Later from Klarna

Flexible payment from one of Europe's leading consumer finance providers

Freedom and control

Buy Now, Pay Later is an online checkout choice from Klarna Credit. It gives you the freedom and control to buy immediately but delay your payment, interest free, within the Buy Now, Pay Later period.

At the end of the Buy Now, Pay Later period, you can decide to either pay off the entire purchase in full without interest or start paying monthly with interest (18.9 % APR representative and only charged from the end of the Buy Now, Pay Later period).

If your Klarna Credit application is approved*, you can use Buy Now, Pay Later to shop without having to fill in card details or hard to remember passwords.

So you can do more shopping and less fiddling.

*To apply, you must be at least 18

Smooth shopping

Buy Now, Pay Later is a convenient online financing offer from Klarna, the international financial company enjoyed by over 65,000 online stores and used by 45 million customers worldwide.

If your application for Klarna Credit is accepted, you can use Buy Now, Pay Later to checkout smoothly on all future payments up to your credit limit.

With no annoying information requests, password memory tests or having to fill out credit card details.

Get your goods first. You have the freedom and control to buy immediately but delay your payment, interest free, within the Buy Now, Pay Later period. At the end of the Buy Now, Pay Later period you start paying monthly with interest (18.9 % APR representative and only charged from the end of the Buy Now, Pay Later period).

Just look out for the Buy Now, Pay Later button  – the easiest and smoothest way to buy – whenever you’re online shopping.

Safer for you

When you shop with Buy Now, Pay Later, you don't have to pay until the end of the Buy Now, Pay Later period. So your purchase should always be delivered before you pay for it.

In the unlikely event your goods aren’t delivered by the time payment is due, just contact us to have the payment date postponed.

Our online merchants care passionately about their customers. We can help you resolve issues quickly and effectively. We also protect your personal data.

Manage your personal customer portal

Simply log in to our customer portal on the klarna.com website any time you want to review your purchases and settle your monthly statement. If you need further assistance, you can contact our free local customer care team by phone or online chat.

If you are approved for Klarna Credit, you can use your account to shop online – without the need to remember your card details when you check out.

Big benefits at a glance

  • Easily pay when you want within the Buy Now, Pay Later period

  • No form filling every time you shop

  • No annoying information requests or challenging memory tests

  • Buy and receive your item before you pay

  • Goods should always be delivered before you pay for them

What is Buy Now, Pay Later?

Buy Now, Pay Later allows you to pay for your purchases at your own pace from participating online stores.  At the end of the Buy Now, Pay Later period, either pay in full with no interest or start paying monthly minimum payments and incur interest (18.9 % APR representative).  It’s your choice!

How do I use Buy Now, Pay Later?

When you shop online with any participating merchants, our system reviews each order to determine which payments options are available to you. If Buy Now, Pay Later is offered, you simply select this option.

The first time you purchase with Buy Now, Pay Later you will be asked in the checkout to apply for a Klarna account.  If you are approved we will create an account for you and your order will be placed with the merchant.

Every subsequent time you purchase with Buy Now, Pay Later you only need to agree to the purchase and don’t have to sign up again.  The order amount will be added to your total balance.

Where can I choose Buy Now, Pay Later as a payment option?

Here are just some of the leading online stores where you can use Buy Now, Pay Later.